Minden Exchange Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 20.93 percentage points in Q2 2026, from 125.64% to 146.57%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Minden Exchange Bank & Trust Company is 38th of 138 on return on assets, 1.75% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Minden Exchange Bank & Trust Company sits 0.50 points higher, at 1.75% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 19.84% |
| Equity capital to assets | 19.09% |
| Tangible equity to tangible assets | 19.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.85% |
| Non-performing assets ratio | 0.46% |
| Net charge-off ratio | 1.07% |
| Texas ratio | 5.00% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 146.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 9.39% |
| Net interest margin | 4.12% |
| Efficiency ratio | 43.37% |
| Yield on earning assets | 5.11% |
| Cost of funds | 1.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.52% |
| Core deposits to total deposits | 96.07% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 72.72% |
| Securities to assets | 39.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.26% | 1.86% | 3.49% | 0.00% | 0.01% |
| Q4 2023 | 18.36% | 0.85% | 3.19% | 0.00% | 0.00% |
| Q1 2024 | 19.00% | 1.30% | 3.30% | 0.00% | 0.00% |
| Q2 2024 | 19.76% | 2.24% | 3.54% | 0.00% | 0.03% |
| Q3 2024 | 19.86% | 1.27% | 3.21% | 0.00% | 0.00% |
| Q4 2024 | 20.96% | 1.85% | 3.70% | 0.00% | 0.03% |
| Q1 2025 | 19.88% | 1.62% | 3.53% | 0.00% | -0.00% |
| Q2 2025 | 20.07% | 1.58% | 3.53% | 2.52% | -0.40% |
| Q3 2025 | 19.62% | 2.48% | 4.42% | 2.07% | 0.90% |
| Q4 2025 | 20.22% | 0.28% | 4.27% | 1.13% | 2.29% |
| Q1 2026 | 19.89% | 1.37% | 4.00% | 1.20% | 0.01% |
| Q2 2026 | 19.84% | 1.75% | 4.12% | 0.85% | 1.07% |
Minden Exchange Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Minden Exchange Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Minden Exchange Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5439) · FFIEC NIC profile (RSSD 456054)